Making a TPD Claim Before Your Work Injury Claim Has Been Finalised

If you’ve suffered a work-related injury or illness, you’re likely navigating a work injury claim to cover things like medical expenses, rehabilitation costs, and lost income. But did you know you don’t have to wait for that claim to be finalised before making a TPD claim? A TPD insurance claim through your superannuation funds can offer a lump sum payment if you’re facing a permanent disability that prevents you from working. In this blog post, we’ll break down how you can start the TPD claim process, the benefits of acting early, and how TPD lawyers at TPD Helpline can support you in securing a successful TPD claim.

What’s the Difference Between a TPD Claim and a Work Injury Claim?

Before going into the process, let’s clarify what these claims are:

• Work Injury Claim: Typically, workers’ compensation covers medical and rehabilitation costs, lost income, and sometimes a lump sum for injuries or illnesses tied directly to your job.
• TPD Claim: A Total and Permanent Disability (TPD) claim is linked to TPD insurance within your superannuation funds. It provides a TPD payout if you’re permanently disabled and unable to work due to any injury or illness, whether it’s work-related, from a motor vehicle accident, or even due to mental health conditions. Unlike a work injury claim, it’s not limited to workplace incidents.

In essence, a TPD insurance claim offers broader protection for permanent disability, making it a powerful option if your condition has lasting impacts.

Can You Start a TPD Claim Before Your Work Injury Claim is Done?

Yes, you absolutely can. Here’s why making a TPD claim now makes sense:

• Independent Systems: Your work injury claim is managed by your employer’s insurer, while a TPD claim is handled by your superannuation provider and their insurance company. These are separate processes, so there’s no overlap or conflict in pursuing both simultaneously.
• Quicker Financial Support: Work injury claims can drag on for months or years. By starting a TPD insurance claim early, you could secure a TPD lump sum to help with bills, medical expenses, or other needs while your work claim is still pending.
• No Waiting Required: There’s no legal rule saying you must finalise your work injury claim first. You can access your TPD benefit as soon as you’re eligible, offering peace of mind during a tough time.

At TPD Helpline, we’ve guided countless Australians to successfully claim TPD benefits while their work injury claims were still in progress. It’s a practical way to take control of your financial future.

How to Start the TPD Claim Process

Ready to get started? Here’s a step-by-step guide to making a TPD claim, even if your work injury claim isn’t finalised:

1. Check Your Eligibility: Review your superannuation funds to confirm you have TPD insurance cover. Policies differ; some define permanent disability as being unable to work in your usual job, while others mean any job you’re qualified for. Our experienced TPD lawyers can explain your policy’s TPD definition and eligibility clauses.
2. Collect Evidence: You’ll need medical reports and medical records to show your permanent disability TPD. This could include details of physical injuries, mental illness, or other conditions that stop you from working.
3. Fill Out Claim Forms: Get the claim forms from your super fund or insurance company and complete them carefully. TPD Helpline can assist to ensure accuracy and avoid delays.
4. Insurer Review: The insurance company will assess your claim, possibly requesting more medical reports. This part of the claims process can take time, but we’ll keep you updated.
5. Get Your TPD Payout: If approved, you’ll receive a lump sum payment. If you face a denied TPD claim, our TPD lawyers can help you appeal and fight for your TPD entitlements.

You can kick off this TPD claim process right away, no need to wait on your work injury claim.

Why You Might Need Help With Your TPD Claim

The claims process for TPD insurance can get tricky. Here’s how TPD Helpline can smooth the way:

• Spotting Missed Opportunities: Some lawyers focus solely on work injury claims and overlook TPD claims. We specialise in permanent disability insurance claims, ensuring you explore every option.
• Handling Complex Policies: Insurance companies might use confusing terms or eligibility clauses to deny claims. Our experienced TPD lawyers know how to tackle these challenges and build a strong case.
• Managing Multiple TPD Claims: Got multiple TPD insurance claims across different superannuation funds? It can be overwhelming, but we’ll streamline it and help maximise your TPD compensation.

With our support, you can confidently navigate the TPD claim process alongside your work injury claim.

What Does a TPD Payout Look Like?

A successful TPD insurance claim can be a game-changer. Here’s what to expect:

• Payout Amount: A typical TPD payout varies widely, anywhere from tens of thousands to hundreds of thousands of dollars, depending on your TPD insurance coverage and policy terms.
• Payment Style: You’ll usually get a TPD lump sum, giving you flexibility to use it for medical expenses, rehabilitation costs, or whatever else you need.
• Other Benefits Impact: A TPD benefit might affect your Centrelink disability support pension or other compensation benefits. We’ll help you understand how to manage this.

Getting your lump sum payment early can ease financial stress while your work injury claim wraps up.

Why Act Now?

Starting your TPD claim before your work injury claim is finalised is a smart move. It lets you tap into TPD insurance benefits sooner, providing critical financial support as you recover from your injury or illness. Whether you’re dealing with physical injuries, mental health conditions, or a mix of both, TPD Helpline is here to help you secure a successful TPD claim. Our TPD lawyers will guide you through every step, from filling out claim forms to appealing a denied TPD claim.

If you’re uncertain about your eligibility for a TPD claim or need professional assistance to navigate the claims process, contact TPD Helpline.

Contact TPD Helpline:

Phone: 1300 679 222
Email: info@tpdhelpline.com.au
Website: www.tpdhelpline.com.au